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If it shows as a charge off

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Then there is no balance to pay. A charge off means that they took the loss on their taxes, Wrote off or sold your debt and can no longer legally collect the debt.

The mortgage company that pulled your report should have provided you with a copy. The contact info for the account should appear on the report. If not Try google. I'm sure there is an address for them listed on line. Write a "Validation Letter" Google it for a template and more info. This type of letter will require them to prove the account info is accurate and that there is a legal claim to collect. If indeed the account was charged off, then there will not be a balance on the account and it is only a notation of a closed account

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